This is a self directed RRSP or TFSA account that allows you to lend your money out to people with the backing of their mortgage for a high interest rate. 1st, 2nd, 3rd mortgages, down payments, refinances, flipping or renovation money.

I have taken many walks by the Falls in the winter and there are very few people around. 

It seems like PSI has grown, a couple landscape companies that way either sold or partnered with PSI because these landscape companies no longer do snow removal and refer people to PSI.  

The people I know who have used him have been happy.

From what I could tell, only 2 people worked there and if something happened over a weekend, you wouldn't get a response until Monday.  

Now let's say one or both people making the purchase owned a condo previously where they roll over the proceeds/equity into the new purchase and put 40% down.

I think others have given you great advice.For most people I say go to some meetup groups for a year. 

There are a bunch of reasons people sell a property.

On most any day you could find people walking dogs, or children playing in the area.

Money now is very good because you are new and ready to do all the work, but the examples you'll hear about are people posting on BP saying, "well, I did all the work and they got a lot or most of the profit."